рдирд┐рд╡реЗрд╢
рдЯрд░реНрдо рдЗрдВрд╢реНрдпреЛрд░реЗрдВрд╕ рдХреИрд▓рдХреБрд▓реЗрдЯрд░
рдЕрдиреБрдорд╛рди рд▓рдЧрд╛рдПрдВ рдХрд┐ рдЖрдкрдХреЗ рдкрд░рд┐рд╡рд╛рд░ рдХреЛ рдХрд┐рддрдиреЗ рдЬреАрд╡рди рдХрд╡рд░ рдХреА рдЖрд╡рд╢реНрдпрдХрддрд╛ рд╣реЛ рд╕рдХрддреА рд╣реИ
рдЕрдХреНрд╕рд░ рдкреВрдЫреЗ рдЬрд╛рдиреЗ рд╡рд╛рд▓реЗ рдкреНрд░рд╢реНрди
How much term insurance do I need?
A practical approach is to cover family expenses to retirement, repay liabilities, and fund major goals, minus existing assets and life cover.
Should inflation be included in life cover planning?
Yes. Inflation can reduce purchasing power over time, so it should be accounted for while estimating goal and income replacement needs.
Is the premium estimate exact?
No. Premiums vary by insurer, health profile, smoking status, and policy terms. Use this as a planning estimate only.
How to Use the Term Insurance Calculator
Estimate how much life cover you need to protect your family financially.
- Enter your annual income and dependents' needs.
- Add outstanding loans and future goals.
- Subtract existing savings and cover.
- See your recommended sum assured.
Cover Estimation
Human Life Value (rule of thumb)
Enough to replace income and clear debts.
Example:
Input: тВ╣12L income, тВ╣30L loan
Calculation: 12 ├Ч 12L + 30L
Result: тЙИ тВ╣1.74 Cr
Real-World Use Cases
Family Protection
Ensure dependents are covered if you're gone.
Loan Cover
Make sure a home loan won't burden your family.
Tips
Tips
- Term insurance is pure protection тАФ cheaper than bundled plans.
- Buy early; premiums rise with age.